Core Insights - Zacks Premium provides various tools to enhance stock market investment confidence and knowledge [1] - The Zacks Style Scores are designed to help investors select stocks with the highest potential to outperform the market in the short term [3] Zacks Style Scores Overview - The Zacks Style Scores rate stocks using an alphabetic system from A to F based on value, growth, and momentum characteristics [4] - The Style Scores consist of four categories: Value Score, Growth Score, Momentum Score, and VGM Score [4][5][6][7] Value Score - The Value Score identifies attractive and discounted stocks using ratios like P/E, PEG, Price/Sales, and Price/Cash Flow [4] Growth Score - The Growth Score focuses on a company's financial health and future outlook, analyzing projected and historical earnings, sales, and cash flow [5] Momentum Score - The Momentum Score assesses trends in stock prices and earnings outlooks, utilizing factors like one-week price change and monthly earnings estimate changes [6] VGM Score - The VGM Score combines the three Style Scores to identify stocks with the best value, growth potential, and momentum [7] Zacks Rank Integration - The Zacks Rank is a proprietary model that uses earnings estimate revisions to guide investors in stock selection, with 1 (Strong Buy) stocks achieving an average annual return of +23.62% since 1988 [8] - Investors are encouraged to select stocks with a Zacks Rank of 1 or 2 and Style Scores of A or B for optimal investment potential [10] Stock Example: F.N.B. Corporation - F.N.B. Corporation, a financial holding company based in Pittsburgh, PA, is currently rated 3 (Hold) with a VGM Score of B [12] - The company has a Value Style Score of B, supported by a forward P/E ratio of 11.23, making it appealing to value investors [13] - Recent upward revisions in earnings estimates for fiscal 2025 have increased the Zacks Consensus Estimate to $1.41 per share, with an average earnings surprise of +3.4% [13]

Core Insights - The upcoming earnings report for F.N.B. (FNB) is anticipated to show quarterly earnings of $0.33 per share, reflecting a 2.9% decline year-over-year, while revenues are expected to increase by 4.4% to $421.73 million [1] - Analysts have revised the consensus EPS estimate downward by 1.4% over the past 30 days, indicating a reassessment of initial projections [2] - The correlation between earnings estimate revisions and short-term stock price performance is well-documented, suggesting that these revisions are significant indicators for investor behavior [3] Financial Metrics - Analysts predict an 'Efficiency Ratio' of 56.2%, up from 54.4% in the same quarter last year [5] - The 'Net Interest Margin' is expected to remain stable at 3.1%, consistent with the previous year's figure [5] - The 'Average Balance - Total interest earning assets' is projected to reach $43.80 billion, an increase from $41.42 billion year-over-year [6] - 'Total Non-Performing Loans' are expected to rise to $157.76 million, compared to $108.00 million in the same quarter last year [6] - 'Mortgage banking operations' are estimated at $7.58 million, up from $6.96 million a year ago [7] - 'Total Non-Interest Income' is forecasted to be $89.13 million, slightly higher than $87.92 million reported last year [7] - 'Insurance commissions and fees' are expected to decrease to $5.48 million from $5.97 million in the previous year [8] - 'Net Interest Income' is projected to increase to $332.40 million from $315.89 million year-over-year [8] - 'Bank owned life insurance' is expected to reach $5.18 million, up from $3.42 million last year [9] - 'Capital markets income' is forecasted at $5.19 million, slightly above the previous year's $5.14 million [9] - 'Trust services' are expected to increase to $11.68 million from $11.48 million last year [9] - 'Other Non-Interest Income' is projected to decrease to $3.62 million from $3.75 million year-over-year [10] Stock Performance - F.N.B. shares have increased by 16% over the past month, outperforming the Zacks S&P 500 composite, which rose by 4% [10]

Company Overview - F.N.B. Corporation is headquartered in Pittsburgh, Pennsylvania, and operates in seven states and the District of Columbia, with total assets of $49 billion and approximately 350 banking offices [5][6] - The company provides a full range of financial services, including commercial banking, consumer banking, and wealth management solutions [6] Upcoming Financial Results - F.N.B. Corporation plans to issue its financial results for the second quarter of 2025 after the market close on July 17, 2025 [1] - A conference call to discuss the financial results will be hosted on July 18, 2025, at 8:30 AM ET by key executives [1] Conference Call Details - A live listen-only webcast of the conference call will be available on the company's website, opening approximately 30 minutes prior to the call [2] - Participants can join the Q&A portion by dialing specific numbers for domestic and international callers, with pre-registration available for immediate access [3] Additional Resources - Presentation slides and the earnings release will be accessible on the Investor Relations section of the company's website [4] - A replay of the conference call will also be available via the webcast link after the call [4]

Core Points - F.N.B. Corporation has launched the FNB Main Street Revitalization Program, a nearly $50 million initiative aimed at preserving and improving historic facades, fostering commerce, and driving economic growth in rural business districts and historic neighborhoods [1][4] - The program will begin with the renovation of the historic Greenville, PA branch, which was originally established in 1864 [3][9] - The initiative includes grants for facade improvements, a low-interest loan program, and a planned investment of approximately $15 million in the rehabilitation of several historic FNB branches [5][8] Group 1: Program Components - The FNB Main Street Revitalization Program consists of three main components: grants for exterior improvements, a low-interest loan program, and investments in historic branch renovations [2][8] - Grants will support projects that enhance and preserve historic building facades, with technical assistance provided by the Pittsburgh History & Landmark Foundation (PHLF) [5][7] - The loan program aims to facilitate over $30 million in financing for small businesses, with special promotional terms for grant recipients [6][8] Group 2: Community Commitment - The program reflects F.N.B. Corporation's commitment to rural and historic business districts, addressing the lack of investment in these communities [4][11] - Local officials, including Governor Josh Shapiro and Senator Dave McCormick, have expressed support for the initiative, highlighting its potential to invigorate local economies [11][12] - The incorporation of government tax credits into the program has garnered attention for its potential to influence economic development in disinvested areas [10] Group 3: Renovation Plans - Renovation plans for the Greenville branch include restoring its 19th-century aesthetic, focusing on facade work and interior finishing details [9] - The company expects to begin construction within the year, aiming to enhance the local commercial district and attract visitors [3][9] - The program's approach to beautifying historic facades is intended to promote tourism and accelerate business formation in the area [4][11]

Core Insights - F.N.B. Corporation's subsidiary, First National Bank, has been recognized by Newsweek as one of America's Greatest Workplaces for 2025 and also included in the inaugural list of America's Greatest Workplaces for Financial Services, highlighting its strong employee experience and company culture [1][2] Group 1: Employee Experience and Company Culture - The recognition from Newsweek is based on a rigorous evaluation involving over 400,000 U.S. employees and more than 4.9 million company reviews, assessing key performance indicators such as leadership, work-life balance, integrity, and compensation [2] - FNB aims to build lasting prosperity for customers, communities, and employees, emphasizing a supportive culture that allows employees to develop rewarding careers with opportunities for leadership and innovation [3] - The company has received over 80 workplace and culture excellence awards, including being named one of America's Most Admired Workplaces and a Top Workplace USA, reflecting its commitment to employee engagement and performance [4] Group 2: Company Overview - F.N.B. Corporation, headquartered in Pittsburgh, operates in seven states and the District of Columbia, with total assets of $49 billion and approximately 350 banking offices [5] - The company offers a comprehensive range of financial services, including commercial banking, consumer banking, and wealth management solutions through its subsidiary network [6] - F.N.B. Corporation's common stock trades on the New York Stock Exchange under the symbol "FNB" and is included in the S&P MidCap 400 Index [7]

Core Insights - First National Bank, a subsidiary of F.N.B. Corporation, has appointed Jennifer Reel as Executive Vice President and Chief Communications and Marketing Officer, highlighting the company's focus on enhancing its brand and communication strategies [1][2] Company Overview - F.N.B. Corporation is a diversified financial services company with total assets of $49 billion, operating in seven states and the District of Columbia, with approximately 350 banking offices [4] - The company provides a comprehensive range of services including commercial banking, consumer banking, and wealth management through its subsidiary network [5] Leadership and Experience - Jennifer Reel brings over 25 years of experience in marketing and communications, and her role includes overseeing corporate communications, brand management, and marketing strategies [2][3] - Reel has been recognized for her leadership in communications, being named a Top Woman in Communications and a Top 50 Women Leaders in Communications [3]

Company Overview - F.N.B. Corporation is a diversified financial services company headquartered in Pittsburgh, Pennsylvania, operating in seven states and the District of Columbia with total assets of $49 billion and approximately 350 banking offices [4][5]. Leadership Change - Christopher "Chris" Chan has been promoted to Executive Vice President and Chief Strategy Officer of First National Bank, reporting directly to Vincent J. Delie, Jr., the Chairman, President, and CEO of F.N.B. Corporation [1][3]. Strategic Focus - Chan will oversee FNB's Corporate Strategy and Investor Relations, and will be responsible for advancing the Clicks-to-Bricks digital strategy, which includes managing Digital Channels, eCommerce, Data Science, and Data Management and Governance teams [1][2]. Organizational Realignment - The organizational structure aims to integrate technology investments and digital capabilities, enhancing the role of innovation in FNB's growth. A new Director of AI and Innovation will be added to Chan's team to focus on enterprise AI implementation and fintech partnerships [2]. Market Position - F.N.B. Corporation is included in the Standard & Poor's MidCap 400 Index and trades on the New York Stock Exchange under the symbol "FNB," indicating its significant presence in the regional banking sector [6].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ Quarterly Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the quarterly period ended March 31, 2025 or ☐ Transition Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 For the transition period from to Commission file number 001-31940 F.N.B. CORPORATION (Exact name of registrant as specified in its charter) Pennsylvania 25-1255406 (State or other jurisdic ...

Core Insights - F.N.B. Corporation's CEO Vincent J. Delie, Jr. has been recognized as one of the top 50 CEOs in the U.S. by Brand Finance, highlighting his leadership qualities and ability to create long-term shareholder value [1][2] - Delie ranked among the top five bank CEOs in the U.S., showcasing his performance relative to leaders of major financial institutions and global organizations [2] - The recognition is attributed to Delie's commitment to innovation, particularly in Artificial Intelligence (AI), as demonstrated by FNB's award-winning eStore® [2] Company Culture and Awards - Under Delie's leadership, F.N.B. Corporation has cultivated a strong workplace culture, earning multiple national Top Workplaces Culture Excellence awards from Energage [3][4] - FNB has received Culture Excellence Awards for four consecutive years, recognizing its outstanding workplace culture in various categories [5] - The company has garnered over 80 workplace and cultural excellence awards, including being named one of Newsweek's America's Most Admired Workplaces for 2025 [5] Company Overview - F.N.B. Corporation, headquartered in Pittsburgh, Pennsylvania, operates in seven states and the District of Columbia, with total assets of $49 billion and approximately 350 banking offices [6] - The company provides a comprehensive range of financial services, including commercial banking, consumer banking, and wealth management solutions [7][8] - F.N.B. Corporation's common stock trades on the New York Stock Exchange under the symbol "FNB" and is included in the S&P MidCap 400 Index [9]

Financial Data and Key Metrics Changes - FMB reported net income available to common shareholders of $116.5 million, or $0.32 per share, with tangible book value per share growth of 12% to $10.83 [7][36] - Total revenue for the quarter was $411.2 million, driven by net interest income growth and solid non-interest income [8] - The CET1 ratio reached 10.7%, and tangible common equity to tangible assets was 8.4% [7][36] Business Line Data and Key Metrics Changes - Total loans and leases ended the quarter at $34.2 billion, a 3.5% annualized linked quarter increase, driven by $224 million in consumer loans and $72 million in commercial loans [27] - Non-interest income totaled $87.8 million, consistent with the year-ago quarter [32] - Wealth management revenues increased 8.4% year-over-year to a record $21.2 million [33] Market Data and Key Metrics Changes - The first quarter annualized loan and deposit growth was 3.5% and 1.4% respectively, indicating success in growing client relationships and market share [10] - Non-interest-bearing demand deposits increased 1.1% and comprised 26.5% of total deposits, up 19 basis points from the fourth quarter [29] Company Strategy and Development Direction - The company is focused on diversifying revenue streams, active balance sheet management, and maintaining a balanced loan portfolio [7] - Recent acquisition of a critique investment banking firm aims to enhance financial advisory services [9] - The company is prioritizing high-touch services and superior digital delivery channels to become clients' primary operating bank [11] Management's Comments on Operating Environment and Future Outlook - Management emphasized the importance of maintaining a diversified deposit base and sound risk management practices amid economic uncertainty [12][25] - The company is prepared for potential impacts from tariffs and has conducted stress tests to ensure strong coverage and ample liquidity [13][20] - Management expressed confidence in achieving mid-single-digit loan growth despite current economic challenges [38] Other Important Information - The efficiency ratio for the first quarter remained solid at 58.5%, with expectations for improved performance in the second half of 2025 [35] - The company repurchased 741,000 shares during the quarter and plans to pursue opportunistic share repurchase activity [37] Q&A Session Summary Question: NII outlook and swap maturities - Management discussed the impact of swap maturities on NII, indicating a gradual decline in benefits from swaps over the quarters [46][54] Question: Loan growth risks - Management acknowledged a softer pipeline year-over-year but expressed confidence in achieving mid-single-digit loan growth based on diverse geographic operations [64][76] Question: Credit exposure to tariffs - Management reported that less than 5% of exposures were at risk from tariffs and emphasized proactive communication with clients to manage potential impacts [82][86] Question: Expense guidance and flexibility - Management explained that the second quarter expense guidance reflects seasonal expenses and that there is flexibility to reduce expenses if revenues fall short [93][96] Question: Fee income guidance - Management highlighted various areas contributing to fee income, including capital markets, derivatives, and mortgage business, while anticipating an acceleration in M&A activity [102][106]